Auto Loan Refinancing - Harvard University Employees Credit Union
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Already got a loan somewhere else? No problem!

Whether you got your loan last week or last year, you could still save serious money by refinancing it at the Credit Union.

Apply Now Check Rates 


Find Out How Much You Can Save

  • Same Low Rates on New or Used Vehicles
  • No Application Fees or Prepayment Penalties
  • 110% Financing2
  • Quick and Easy Process
  • Flexible Terms up to 72 Months3
  • Remote Loan Closings
  • Option to defer payments for 60 days4

Member Discounts

  • Auto-Pay Discount: ¼% off for Automatic Payment from an HUECU Crimson or Smart Rewards Checking Account
  • Green Discount: ¼% off a hybrid or electric (all-electric or battery-electric) new or used vehicle.1

Review Your Current Loan

Provide some basic information about your current loan in the form below and we’ll review!

1. The Green Auto Loan discount is only available to members that purchase a hybrid or electric (all-electric or battery-electric) vehicle. 2. Certain credit restrictions apply for this program. In order to keep our rates competitive we do not refinance our own auto loans. 110% financing on auto loans is subject to credit review and a down payment could be required. 3. Loan Example: $20,000 at 3.74% and 48 months. Monthly payment is $449 with total finance charges of $1,564 and total repayment of $21,564.  4. No Payment for 60 Days – Qualifying members may select to defer their first payment for 60 days from the loan funding date. Interest will accrue during deferral period and this offer is subject to credit union approval. This is optional, you may start paying your loan off right away. This option is only for automobiles.

Subject to credit approval. HUECU offers lease buyouts for cars titled in Massachusetts only. We do not buy out 3rd party leases. We do not finance the purchase of vehicles registered in the following states: AZ, FL, KS, KY, MD, MI, MN, MT, NE, NM, NY, OK, SD, TN, WI and WY. We are only able to offer financing for vehicles being purchased through a private party when the vehicle is registered in the following states: MA, ME, NH, RI and VT.

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